Call reports 2015
FIRST COMMUNITY BANK OF CENTRAL ALABAMA — 2015
What FIRST COMMUNITY BANK OF CENTRAL ALABAMA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 338,592,000 | 327,810,000 | 328,888,000 | 335,661,000 |
| Total loans | 209,762,000 | 215,120,000 | 215,988,000 | 213,333,000 |
| Allowance for loan losses | 4,270,000 | 4,519,000 | 4,648,000 | 4,491,000 |
| Securities available for sale | 105,661,000 | 93,105,000 | 87,012,000 | 94,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,632,000 | 298,377,000 | 298,348,000 | 304,632,000 |
| Interest-bearing deposits | 249,158,000 | 242,030,000 | 238,011,000 | 242,416,000 |
| Noninterest-bearing deposits | 59,474,000 | 56,347,000 | 60,338,000 | 62,216,000 |
| Equity capital | 27,323,000 | 26,795,000 | 27,638,000 | 27,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,426,000 | 6,915,000 | 10,382,000 | 13,843,000 |
| Interest expense | 361,000 | 708,000 | 1,053,000 | 1,376,000 |
| Net interest income | 3,065,000 | 6,207,000 | 9,329,000 | 12,467,000 |
| Noninterest income | 680,000 | 1,354,000 | 2,023,000 | 2,706,000 |
| Noninterest expense | 1,931,000 | 3,821,000 | 5,876,000 | 8,056,000 |
| Provision for loan losses | 175,000 | 475,000 | 600,000 | 775,000 |
| Pretax income | 1,648,000 | 3,266,000 | 4,880,000 | 6,346,000 |
| Income tax | 141,000 | 246,000 | 351,000 | 380,000 |
| Net income | 1,507,000 | 3,020,000 | 4,529,000 | 5,966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,718,000 | 27,086,000 | 27,462,000 | 27,713,000 |
| Total capital | 29,410,000 | 29,813,000 | 30,310,000 | 30,734,000 |
| Risk-weighted assets | 213,850,000 | 216,429,000 | 226,058,000 | 240,213,000 |